Pay Bills²

• Make single and repeating Euro payments to a payee, such as a landlord, in any SEPA participating country, for a small fee
• Make single and repeating Sterling payments to a payee, such as a landlord, for a small fee
• Receive electronic bills from select U.S. Domestic payees
• Send payments to almost any U.S. Domestic business or individual for free

Transfer Funds

• Make unlimited, free transfers between your linked Community Bank Checking and Savings Accounts⁷, including your Sterling Account
• Transfer funds to any U.S.-based financial institution capable of accepting ACH credit transactions, without a wire transfer fee

View Important Account Information

• Check balances for Checking and Savings Account, loans, and CDs
• View real-time Checking and Savings accounts transaction activity
• View checks and deposits that have cleared in the last 60 days³
• View current and past 18 months of your most recent account statements⁴
• Go 'paperless' for added security and a greener environment

Receive Account Alerts

Our e-mail Account Alerts notify you of important account changes and statuses such as low balances, posted transactions, and insufficient funds. While Account Alerts are free from Community Bank, you may incur data charges from your carrier.

Manage your Financial Information

Manage your total financial management picture using Quicken^® financial management software⁵. Simply download your account transactions directly to Quicken to organize transactions for tax purposes and personal financial reports.

Online Customer Self-service

• Update personal Online Banking information
• Click here to reorder checks
• Order check or statement copies
• Send a secure message to customer service
• Manage finances and reconcile accounts with the Online Banking account register
• Initiate a stop payment request on a check

Convenient Banking Using an App or Browser

Using the app makes it easier than ever for iPhone, iPad, and Android tablet users to access and manage accounts:

• Easily make single and repeating payments to a payee in any SEPA participating country for a small fee (available in Germany, Italy, and the Netherlands only) by using our Euro Bill Payment service.
• Transfer funds to any U.S.-based financial institution capable of accepting ACH credit transactions, without a wire transfer fee; schedule transfers in advance and view important transfer details.
• Send a secure message to our customer service department.
• Receive account alerts to notify you of important account changes such as low balances, posted transactions and insufficient funds.
• Customize your accounts with an easily recognizable account nickname.
• Check account balances and search recent transactions.
• View your most recent account statements conveniently on your mobile device.
• Easily access banking center and ATM information, loan rates, and currency exchange rates.

Before accessing Mobile Banking on your mobile device, you must first enroll in Online Banking by clicking here.

To access Mobile Banking, download the Community Bank mobile banking app to your device using these simple steps:

Step 1: Visit the iTunes App Store or Google Play.

Step 2: Launch the app and log-in with your Online Banking username and password. When first signing in to Mobile Banking, you will be prompted to answer one of your pre-established security questions and accept the End User License Agreement.

Using a browser allows you to:

• Find ATMs and view banking center locations and hours
• View our currency exchange rates and use a conversion calculator
• View our current loan rates and interest rates for Checking and Savings Accounts

To use the Community Bank website on your mobile device, go to DoDCommunityBank.com from your browser.

Enhanced Security

Community Bank uses industry-standard security protocols that leverage encryption for transferring data. Encryption creates a secure environment for the information being transferred between your browser and Community Bank.

The 4 ways security protocols protect your data:

• Authentication ensures that you are communicating with the correct server. This prevents another computer from impersonating Community Bank.
• Encryption scrambles transferred data to prevent eavesdropping of sensitive information and to ensure that only the server you're sending the information to can read it.
• Data integrity verifies that the information sent by you to Community Bank wasn't altered during the transfer. The system detects if data was added or deleted after you sent the message. If any tampering has occurred, the connection is dropped.
• One-Time Passcode authentication is used to help verify your identity when you sign in from an unrecognized IP address. The same device may pick up a different IP address each time you log in.

To enroll now: Click here to go to Online Banking.

E-mail and Online Fraud

Phony e-mail messages sent to you for the purpose of stealing personal and financial information, called "phishing and spoofing" are among the most common types of e-mail fraud. Disguised as legitimate e-mail and claiming to be from sources you trust, these messages attempt to entice you to provide various types of personal and confidential information. We will never ask you for personal data such as your SSN, ATM/Debit Card number, or PIN.

Recognize e-mail Fraud

Spotting phony e-mail messages is not always easy, and the criminals who use them are becoming more sophisticated about creating them. Phony e-mail messages may ask you to reply directly or click on a link that takes you to a fraudulent website that appears legitimate. In either case, they will generally ask you to provide sensitive personal, financial, or account information.

Tips for spotting phony e-mails

• Links that appear to be Community Bank or Navy Federal Credit Union links but aren't - If you place your cursor over a link in a suspicious e-mail, your e-mail program likely shows you the destination URL. Do not click the link, but look closely at the URL. A URL that is formatted dodcommunitybank.fakewebsite.com or navyfederalcreditunion.fakewebsite.com, or nfcu.fakewebsite.com is taking you to a location on fakewebsite.com. Just because "communitybank", "navyfederalcredit", or “nfcu” is part of the URL does not guarantee that the site is an official Community Bank or Navy Federal Credit Union site.
• Urgent Appeals - We will never claim your account may be closed if you fail to confirm, verify, or authenticate your personal information via e-mail.
• Requests for personal information - Community Bank will never ask you to reply in an e-mail with any personal information such as your SSN, ATM, or PIN.
• Messages about system and security updates - We will never claim the need to confirm important information via e-mail due to system upgrades.
• Offers that sound too good to be true - We will never ask you to fill out a customer service survey in exchange for money, then ask you to provide your account number so you can receive the money.
• Typos and errors - These are often the mark of fraudulent e-mails and websites. Be on the lookout for typos or grammatical errors, awkward writing, and poor visual design.

Protect Against E-mail or Online Fraud

• Make sure the security features of your computer software, including your web browser, are up-to-date. Software companies continuously provide security updates to their products. Learn more about keeping your computer security current at https://www.microsoft.com/en-us/safety/ or visit the National Cyber Security Alliance at http://www.staysafeonline.org.
• Keep in mind that forging e-mails and creating fraudulent websites is not difficult.
• Confirm requests for personal or account information, including updates or verifications, by going to the company website directly. Open a new browser window, type the web address and check to see if you must actually perform any activity that an e-mail may be asking you to do, such as change a password.
• Do not share your usernames or passwords with anyone. Choose passwords that are difficult for others to guess and use a different password for each of your online accounts. Use combinations of upper and lowercase letters, numbers, and special characters such as @, %, &, and #. Change your password often.
• If you think you provided personal or account information in response to a fraudulent e-mail or website, report the fraud immediately, change your passwords, and monitor your account activity frequently.
• Always sign-off websites or secure areas of websites for which you use a username and password to enter, such as Online Banking.
• When your computer is not in use, shut it down or disconnect it from the Internet.
• Be selective about providing your e-mail address to a questionable website. Sharing your e-mail address makes you more likely to receive fraudulent e-mails.
• Review your monthly credit card and bank account statements thoroughly. Investigate suspicious items immediately to prevent possible fraud before it occurs.

Protect Against Online Viruses

In addition to protecting yourself against e-mail and online fraud, be aware of dangerous online viruses that may damage or compromise the security of your computer.

• Anti-virus protection - If your computer becomes infected with a virus, you might lose information and incur repair expenses. Make sure your computer has an anti-virus protection program installed, preferably one with automatic updates. If you don't have this automatic feature, be sure to update your virus detection program weekly and when you hear of a new virus.
• Avoid downloads from unknown sources - Downloads from unfamiliar sources may contain hidden programs or viruses that can compromise your computer's security.
• Attachments - Don't open e-mail attachments unless you are certain that you can trust the source. Learn how to manually screen e-mail attachments if your anti-virus software doesn't automatically screen for viruses.
• Contact your ISP - Your Internet Service Provider (ISP) may have additional recommendations and technical support for protecting yourself against online viruses, e-mail fraud, and spam. Contact your ISP for recommendations specific to your computer and network.

Report Fraud

• If you suspect that someone has gained access to important personal information such as your Community Bank account number or Social Security number, and may use that information for illegal purposes or to withdraw money from your account, immediately call the phone number on your account statement or contact your nearest banking center. The Federal Trade Commission (FTC) provides useful information and resources to help you protect yourself against identity theft, including an ID Theft Affidavit for disputing accounts opened in your name without your authorization. Visit the FTC ID Theft Web Site to learn more.
• If you suspect you might be a victim of identity theft, contact any of the three major credit bureaus to place a fraud alert on your credit file. The alert requests creditors to contact you before opening any new accounts. As soon as one credit bureau confirms your fraud alert, the other two credit bureaus will be automatically notified and all three credit reports will be sent to you free of charge.
  • Equifax 1-800-525-6285
  • Experian 1-888-397-3742
  • TransUnion 1-800-680-7289
• Close other accounts you know or believe have been tampered with or fraudulently opened. Use the ID Theft Affidavit when disputing unauthorized accounts.
• File a police report. Get a copy of the report to submit a copy of the report to your creditors and others that may require proof of the crime.
• File a complaint with the Federal Trade Commission (FTC). The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations.
• Report your lost or stolen ATM card or Debit Card immediately by calling 1-800-239-9427 and select Option 6 from the Main Menu and Option 1 from the sub-menu. Your call will be transferred to our Lost and Stolen Department.

Verify Recent Transactions

• ATM withdrawals by date and amount
• Deposits and withdrawals
• Find out if specific checks have cleared

Check Account Balances

• Checking, savings, CDs, and loans

Transfer Funds Between Dollar Accounts

Get Important Information

• Loan date of next payment
• Currency exchange rates
• Current Certificate of Deposit information
• Check interest rates
• Change your Interactive Banking PIN (Personal Identification Number)

Additional Services Through Customer Service:

• Make payments and pay off Community Bank Loans and Lines of Credit
• Address changes
• Online Banking password assistance
• Report lost or stolen ATM cards and checks
• Order a replacement ATM card and PIN
• Place a stop payment
• Reorder checks
• Order photocopies

ACH

Automated Clearing House (ACH)

You'll need the following information to make or receive ACH credits¹, debits², and to place check orders.

ABA / Routing Number: 051005504

Customer Name

Customer Account Number

Incoming Domestic Wires

You will need the following information to receive an incoming wire transfer from a U.S. Domestic Financial Institution:

ABA / Routing Number: 114017714

Bank Name: Overseas Military Banking Program

City/State: San Antonio, TX

Customer Name

Customer Account Number

---

Outgoing Domestic Wires*

You will need the following information to initiate an outgoing wire transfer to a U.S. Domestic Financial Institution:

Receiving Bank (if applicable):

Receiving bank information is needed if a wire cannot be sent directly to the beneficiary bank. ABA #, Bank Name, City/State/Country.

Beneficiary Bank:

• Beneficiary Bank ABA:

• Bank Name: Beneficiary’s bank name

• Street Address: City/State

• Beneficiary’s Name

• Beneficiary’s Address:

• Beneficiary’s Account #: Enter account number

• Other Bank Info:

  • Intermediary bank information: If a wire requires a third bank, enter the ABA/SWIFT, bank name, and city/state/country (a bank between the receiving bank and the beneficiary bank).

Instructions: Any additional information provided.

Incoming International Wires

The below information will remain in effect after 01 April 2024.

You will need the following information to receive an incoming wire transfer from a Non–U.S. Financial Institution:

Receiving Bank:

Bank of America

100 W 33rd St

New York City, NY 10001

ABA/Routing Number: 026009593

Swift Code: BOFAUS3N

For Further Credit To:

Overseas Military Banking Program

300 Convent St STE 400

San Antonio, TX 78205

ABA/Routing Number: 114017714

Customer Name

Customer Account Number

---

Outgoing International Wires (USD Only)*

You will need the following information to initiate an outgoing wire transfer to a Non-U.S. Financial Institution:

Receiving Bank:

Receiving U.S. bank information: ABA #, Bank Name, City/State/Country.

Beneficiary Bank:

• BBK ABA/ Account #: SWIFT or BIC Code (other than U.S), Sort Code (UK only).

• Bank Name: Beneficiary’s bank name

• Street Address: If not known, enter “Unknown” or “N/A”

• City/State/Country

• Beneficiary’s Name:

• Beneficiary’s Address: If not known, enter “Unknown” or “N/A”

• Beneficiary’s Account #: Enter account number or IBAN (International Bank Account Number)

• Other Bank Info:

  • Intermediary bank information: If a wire requires a third bank, enter the ABA/SWIFT, bank name, and city/state/country (a bank between the receiving bank and the beneficiary bank).

Special Instructions: Any additional information provided.

---

Outgoing International Wires (EUR/GBP)*

You will need the following information to initiate an outgoing wire transfer to a Non-US Financial Institution:

Receiving Bank (if applicable):

Receiving bank information is needed if a wire cannot be sent directly to the beneficiary bank. ABA #, Bank Name, City/State/Country.

Beneficiary Bank:

• BBK ABA/ Account #: SWIFT or BIC Code (other than U.S), Sort Code (UK only).

• Bank Name: Beneficiary’s bank name

• Street Address: If not known, enter “Unknown” or “N/A”

• City/State/Country

• Beneficiary’s Name:

• Beneficiary’s Address: If not known, enter “Unknown” or “N/A”

• Beneficiary’s Account #: Enter account number or IBAN (International Bank Account Number)

• Other Bank Info:

  • Intermediary bank information: If a wire requires a third bank, enter the ABA/SWIFT, bank name, and city/state/country (a bank between the receiving bank and the beneficiary bank).

* It is the customer’s responsibility to provide complete and accurate information. The bank will not be liable for any monetary loss to either the bank or customer if/when the information provided to the bank is not accurate.

Keep spending in check while making convenient purchases with our chip-enhanced Debit Card. Call or visit your local Community Bank to get yours today! Learn how embedded-chip technology provides added security to your account.

Card Agreement & Disclosure (opens in new tab)

Keep your Visa^® debit card account secure

Get alerts for transactions in real–time and immediately identify potentially fraudulent activity. Visa^® now offers purchase alerts that can be emailed to you if you sign up for the service. There are alerts available for the following types of activity:

• Reaching a purchase amount threshold
• International purchases
• Purchases made over the internet or by phone.

Use the following link to sign up for the Visa^® alert service.

Visa^® Alert Service

If your Community Bank Debit Card is lost or stolen, if you notice unauthorized transactions, or are having difficulty completing a transaction, immediately contact your local banking center or call Customer Service at 1-800-239-9427 or (210) 270-5723:

• Select option 6 from the main menu
• Select option 1 from the submenu to report a card lost or stolen
• Select option 2 from the submenu if you notice unauthorized transactions or are experiencing difficulty completing a transaction

It's Easy to Get Started!

Start banking your way by opening a regular or interest bearing account at your local Community Bank today. Phone banking, free Community Bank checks, and monthly statements are all included. Open your Community Bank Checking Account by visiting your local banking center. Be sure to bring these things with you:

• An unexpired government issued I.D. card bearing a photograph
• Your Social Security Number
• A minimum opening deposit of $100 is required only for an Interest Bearing Checking Account

Regular Account

Choose Regular Checking when your average monthly balance will likely be under $500.

• No minimum balance required
• No monthly maintenance fee

Interest Bearing Account

Choose Interest Bearing Checking to earn interest on your checking dollars.

• Interest is accrued daily and compounded monthly
• No monthly maintenance fee when $500 average monthly balance is maintained
• Monthly maintenance fee of $6 if average monthly balance drops below $500
• No interest accrual on days account balance is below $500
• A minimum initial deposit of $100 is required to open your Interest Bearing Checking Account

Online & Mobile Banking

Enjoy the convenience of banking online from your computer or mobile device. It's free¹, easy to use, and features Enhanced Sign-in Security to help prevent fraud and identity theft. Select Online or Mobile Banking for enrollment information, or enroll by downloading our Mobile Banking app.

Debit Card

Keep spending in check while making convenient purchases with our chip-enhanced Debit Card. Call or visit your local Community Bank to get yours today! Learn how embedded-chip technology provides added security to your account.

ATM

• Nearly 300 ATM locations make it convenient — Community Bank makes it free²!
• Access U.S. dollars and foreign local currency whenever you need it!

Local & Automatic Bill Pay

Paying rent, utilities, and other bills in host nation currency is a normal part of living on the local economy. Take the guesswork out of paying monthly bills with local currency payments³ on a one-time or automatic basis. The service has no hidden fees, and a friendly Community Bank associate will walk you through the process until you are comfortable handling it on your own.

Overdraft Protection

When life gets hectic and you accidentally overspend, we've got you covered with Overdraft Protection. The term "Overdraw" refers to the state of spending more money than your Checking Account contains. "Overdraft Protection" is the service that covers your overspending and helps prevent associated fees. Community Bank offers two solutions to help cover unexpected expenses and provide the protection you need.

Savings Overdraft Protection Plan

Protect yourself from the cost and inconvenience of returned checks or overdraft charges. Use your Community Bank Savings Account balance to provide overdraft protection for your Community Bank Checking Account. Once set up, if you overdraw your Checking Account, we will automatically transfer the amount you need from your Savings to your Checking Account.⁴ Our Savings Overdraft Protection Plan features:

• Automatic funds transfer from savings to checking
• No service charge for the transfer

Line of Credit

A Community Bank Line of Credit⁵ (LOC) provides a convenient and flexible way to cover emergency expenses, protect yourself from overdrafts, and quickly make purchases — while only paying interest on the amount actually used. Access the funds directly without affecting your Checking Account balance by visiting your local Community Bank and requesting a Line of Credit advance.

• Borrow, repay, and borrow again to meet immediate needs
• Linked to your Checking Account
• Provides overdraft protection when needed
• No annual fee
• Interest rate is comparable to most credit cards
• Limits available starting at $1,000

Automatic Saving

Putting your savings plan on autopilot is both easy and effective. This systematic form of saving transfers a preset amount from your Checking Account each month directly into one or more of your Savings Accounts. So what you don't see, you won't spend! Best of all, you'll be pleasantly surprised when you look at the growth you've accumulated in even a few short months.

Automatic Account Transfers

Schedule recurring transfers from your Community Bank Checking Account to Savings Account through Online Banking.

Set up automatic transfers from your Community Bank checking to savings and watch how fast your money grows. You may schedule one-time or recurring transfers by visiting your local banking center or through Online Banking — either way it's free.

Transfers from a savings to a Sterling Checking Account are not available.

Online & Mobile Banking

Enjoy the convenience of banking online from your computer or mobile device 24/7. It's free¹, secure, easy to use, and features Enhanced Sign-in Security to help prevent fraud and identity theft. Select Online or Mobile Banking for enrollment information, and to download our mobile banking app.

How much is enough?

Our easy to use Savings Calculator can help you determine the right amount to set aside each month to help you reach your goals.

Savings Account

Whatever goal you're saving for, our savings account offers:

• No monthly maintenance fee
• A competitive interest rate; interest compounded and credited monthly
• ATM Banking²
• Quarterly statements (Monthly statements if an Electronic Funds Transfer is conducted on the account, i.e. ATM withdrawal)

Start Saving Today!

Start funding your goals by visiting your local Community Bank to open a Savings or Certificate of Deposit Account. Bring the following items with you when you visit your local Community Bank to open your Savings or Certificate of Deposit Account:

• An un-expired government-issued ID card bearing a photograph
• Social Security Number
• For CD Accounts only, bring a minimum opening deposit of $1,000
• For Saving Accounts, a minimum opening deposit is not required

Convenient ATM Dual Currency Access

• Free, 24-hour access to your money in dual currency¹
• Nearly 300 ATM locations dispense U.S. Dollar and foreign local currency
• Access U.S. Dollars and foreign local currency whenever you need it

24-hour Access to Your Money²

• Withdraw U.S. Dollars or local currency
• Transfer money between linked ATM Card accounts
• Verify Checking and Savings Account balances

ATM Banking is Private, Fast, and Easy

• Use your Community Bank ATM card to access your account through different networks around the world
• You may also use your Community Bank ATM card at select point-of-sale terminals

Reporting Lost or Stolen ATM Card

If your Community Bank ATM card is lost or stolen, if you notice unauthorized transactions, or are having difficulty completing a transaction, immediately contact your local banking center or call Customer Service at 1-800-239-9427 or (210) 270-5723:

• Select option 6 from the main menu
• Select option 1 from the submenu to report a card lost or stolen
• Select option 2 from the submenu if you notice unauthorized transactions or are experiencing difficulty completing a transaction

All of our Certificates of Deposit:

• Offer a fixed interest rate
• Have interest paid at maturity
• May be used as collateral for a loan (subject to credit approval)
• May be retained even after a permanent change of station
• Require a minimum deposit of only $1,000

Certificate of Deposit (CD) Calculator

Click here to estimate what a CD would be worth

Checking & Savings Accounts

• Deposit Agreement and Disclosures Document (opens in new tab)
• Schedule of Fees Document (opens in new tab)
• ESI Excess Share Insurance Brochure (opens in new tab)

Debit & ATM Card

• Card Agreement & Disclosure (opens in new tab)
• Schedule of Fees Document (opens in new tab)

Privacy Policy, Cookie Policy & EU Privacy Notice

• Privacy & Cookie Policy
• EU Privacy Notice (opens in new tab)

Loan Accounts

• Electronic Communications Disclosure – E-Sign Disclosure and Consent